Accident Health Insurance Utah
Reader’s Question:
Do car insurance policies in Utah include accident health insurance?
Angel
Salt Lake City UT
I don’t think auto insurance policies have accident health insurance. To give you better idea, there are three major types of coverage that your average car insurance carry. First there is liability coverage. Liability coverage will pay for any property damage or bodily injury done to the other party in the event of an accident. Liability coverage will apply if you were the one who caused the accident.
Next is collision coverage. If liability coverage pays for damage done to the other party, collision coverage will pay for damages done to your car as a result of an accident. One advantage that collision coverage has over liability is that there is no need to determine who was at fault. If your car suffered damages, then you will be paid. This will also pay you the market value of your car if it is judged to irreparable. Finally there is comprehensive. This type of coverage protects your car against damages not due to a collision. This can be vandalism or natural events like floods.
Notice anything about the three types? None of them will actually pay or cover you for injuries that you sustained. The nearest that I can see that is similar to an accident health insurance is liability coverage. But this is effective only for the other party and not to you.
This means that you need to get separate insurance for possible injuries that you may incur. This is why you need to have medical or health insurance. To give you an idea lets assume you are involved in accident. Guess what questions will be asked? The first police officer on the scene will ask you what happened or what events lead to the accident. After that he will then ask if you have automobile insurance and if you carry medical insurance. Let’s repeat that, auto and medical insurance.
To sum it all up, car insurance policies in Utah don’t have accident health insurance included.
All About Accident Insurance
Reader’s Question:
If one is involved in an accident, what should be done to make the most of your accident insurance?
Grace
Orlando FL
A vehicular accident is not something that one plans. No matter how careful we drive accidents are not only unexpected but also stressful. Having accident insurance thus becomes a relief in times like these. Some problems though start when we file claims. A claim is rejected because it did not contain enough information. Even if it did, it may contradict what other parties are saying. What should one do then?
No one wants to be involved in an accident. But it doesn’t mean that we don’t prepare for it. There are three things that may seem insignificant at first but can help greatly in an event of an accident. These are a pen, your auto insurance and medical insurance. I’ll explain more of this later.
When involved in an accident, stay calm. There is no need to panic and it doesn’t help at all. Check for personal injuries first before damages. Your life is much much more important than your car. Remember that. Once you’ve determined the extent of the injury or damages, try to turn on your hazard lights to prevent more accidents. Call the police. Let me stress that even if the accident seems minor, you should always call the authorities. One of the first questions they will ask is if you have accident insurance. Tell them what transpired and check if it is what they have written.
Before leaving the scene, exchange information with the other party. This is where the pen comes in. Ask for his license and get his name. Also get what insurance company covers him. Do the same and give him that information.
When asked, don’t immediately say it was your fault even if you believe it was. Don’t go so far though as accusing the other party of being at fault. Just keep calm and tell the facts. It will be up to the authorities and insurance companies to determine who was really at fault.
Call you agent afterwards. All these would be useless otherwise. The company that carries your accident insurance must know what happened in order for them to start processing whatever claims you may file.
What To Do In Case Of An Accident
Reader’s Question:
What do I need to do if I get into a car accident?
Michael
Chicago IL
Health comes first. Make sure if anyone needs medical attention. Afterwhich, you may report to the police. They will then advise you what you need to do with the cars involved, whether to move them or not, and if a police officer will come to get statements from those involved in the accident. Be factual when a police officer interviews you. You may exchange information such as names, addresses, phone numbers and insurance company names with the other party if law enforcement is not involved. It is important to take pictures of all involved vehicles to avoid other parties from claiming damage to a vehicle that was not involved in the accident. If there are witnesses, you can also obtain information from them. Coordinate with your insurance company or insurance agent as soon as possible to know what procedures you need to do next. Request for copy of your records from the police and continue to follow-up with them. And put in mind that not because you informed your insurer of an accident doesn’t mean you’re making a claim.
Motor Vehicle Accident Insurance Claim Alaska
Reader’s Question:
My friends informed me that in case of road accidents, showing photographs of the incident is the best way to increase the value of my claim against my motor vehicle accident insurance. Is there a proper way to take photographs?
Larry
Anchorage AK
It is undeniably true that photographs serve as best evidence to ultimately settle the value of your claims against your motor vehicle accident insurance. They must be taken, or you must have someone to take the photographs, after the accident as soon as possible.
The most obvious thing to photograph are bodily injuries, if any. These include deep cuts, bruises, lacerations and swellings. Take photograph of the injuries approximately 3 feet away. Also take photographs of these injuries at a closer distance to determine the seriousness of the situations.
The next things to produce in order to make your motor vehicle accident insurance claim are the photographs of the vehicles involved in the accident. Shoot pictures of the damages caused to the cars at different perspectives, including the vehicle that hit you. These photographs can be valuable to you in the future when proving who’s fault the accident was and the impact it had that caused the bodily injuries.
Additionally, taking photographs of the whole accident scene is a valuable move for your motor vehicle accident insurance claims. This must be taken from at least three different distances:
- a general view of the scene, about 20 – 40 feet away
- medium range shots, about 10 – 40 feet away, and
- closeup shots, bout 3 to 5 feet away.
It is preferable if these three pictures have a common focus point, such as skid marks on the road, taken at the three different distances. Also try to include landmarks, such as street signs, when taking pictures.
Photographs must not be taken hastily and unprofessionally in order to take good quality pictures to highlight the damages on the cars, the evidential marks on the road and the damages on the street objects due to the accident. This is to ensure faster processing of your claims and to avoid disputes over blurry pictures.
Does Car Insurance Increases After Accident
Reader’s Question:
I just had one minor auto accident two months ago and I’m worried that it would automatically increase my auto insurance premium rate. If it does take effect, how much percentage would an increase be on my premium rate?
Anna
San Francisco CA
An increase on car insurance rate would usually be based on the number of accidents or tickets (if you had one), the driver has had already. Usually though, the insurers would first look at who’s at fault in the accident. If proven that you are greatly responsible for the auto accident, then your premium rate would also increase too to a certain percent. The rate usually climbs up to around an estimate of 20%. If you are currently getting a good driver discount privilege, it may not be honored anymore for your succeeding payments. The next step is to find an insurance company who would give a better premium rate for your not-so-good driving history. There are some auto insurance companies though who could cut you loose on the first auto accident if you’ve established long years of good driving history in the past.
Importance Od Accident Insurance
Reader’s Question:
How important is accident insurance?
Monique
Miami FL
Accidents are termed as such because that is what they are. You can never be too prepared nor control events, know when they will happen and why. But, you can organize your future in the event that accidents do arise by making sure you have adequate insurance coverage.
Accident and insurance have made it possible for insurance policies to be drafted within its limitless consequences. Accident insurance provides benefits that your regular disability and health insurance do not. Such benefits include:
- coverage for individuals or your entire family
- medical expenses including physician fees and cost of x-rays
- benefits in varying amounts for dislocations, fractures, loss of limbs or death
- hospital confinement allowance
- coverage for an unlimited number of accidents